✦ Trusted by thousands of merchants nationwide

STOP LOSING $1,500+
A MONTH YOU NEVER SEE

It's not one big charge — it's processing fees, monthly fees, batch fees, PCI fees, statement fees, all quietly stacking up. Business owners like you are finding $1,500–$5,000/month they didn't know they were losing. See your number, free, in 15 minutes.

✓ No transaction fees
✓ Little to no upfront cost
✓ 100% legal nationwide
Book Free Assessment → 📅 Schedule a Call 📞 314-937-CARD
⚠️ The average business we review is losing $1,500+ a month. Find out yours — free.
Clover Station Solo POS System
AS FEATURED IN
Forbes | yahoo! | BUSINESS INSIDER | abc NEWS | NBC
Business Insight

WHERE IS YOUR MONEY GOING?

Most business owners focus on sales.

The most successful business owners focus on profit.

❌ COMMON PROFIT LEAKS
  • ✕ Payment Processing Costs
  • ✕ Excess Banking Fees
  • ✕ Vendor Overpayments
  • ✕ Outdated Technology
  • ✕ Poor Cash Flow Processes
  • ✕ Lost Customer Opportunities
  • ✕ Inefficient Business Systems
  • ✕ Missed Growth Opportunities
VS
✓ OUR PROFIT PARTNER PROGRAM
  • ✓ Profit Recovery
  • ✓ Expense Reduction
  • ✓ Business Growth
  • ✓ Payment Processing Solutions
  • ✓ Business Technology Improvements
  • ✓ Customer Experience Enhancements
  • ✓ Strategic Business Referrals
  • ✓ Local Business Connections
— WHY LOCAL SUPPORT MATTERS —
📍
We live
here
🏪
We work
here
📞
We answer
our phone
🤝
We visit your
business
👥
We become a
long-term partner
🤝
MORE THAN A SERVICE. A PARTNERSHIP.

We take the time to understand your business, identify opportunities, and connect you with trusted local professionals who can help you grow.
YOUR SUCCESS IS OUR SUCCESS.

— LET'S HAVE A CONVERSATION —
📞 Phone Call
|
🎥 Video Meeting
|
☕ Coffee Meeting
|
🏢 In-Person Visit
Whatever Works Best For You.
The Difference

The Old Way vs Fee Free

See exactly where your money goes with traditional processing versus our zero-fee solution.

❌ The Old Way

Traditional Processing

Processing Fee2.7% – 3.5%
Transaction Fee$0.10 – $0.30
Monthly Fees$20 – $50+
Hidden CostsFrequent
Statement Fee$5 – $10/mo
Junk FeesCommon
Merchant Keeps
~96%
VS
✓ Credit Card Fee Free

Zero-Fee Processing

Processing Fee0%
Transaction Fee$0.00
Monthly Fees$0.00
Hidden CostsNone
Statement Fee$0/mo
Junk FeesNone. Ever.
Merchant Keeps
100%
Savings Calculator

See How Much You're Losing

Move the sliders to calculate your exact savings when you switch to 0% processing.

Your Current Situation

$50,000
2.9%
1,000
$0.30

Your Current Losses

Monthly Loss to Fees $1,750
Annual Loss to Fees $21,000
5-Year Loss $105,000
With Credit Card Fee Free
$0.00 in fees
🎯
No Obligation Quote
🔒
100% Confidential
⚖️
Legal All 50 States
💡 Based on your numbers, you could save:
$1,750/month
That's real money back in your pocket — starting next month.
Stop Losing This Money → Book Free Call
Your Journey

HOW ZERO-FEE PROCESSING WORKS

Four simple steps to keeping every dollar you earn.

1

The Seamless Shift

Our intelligent software automatically adjusts pricing at the point of sale, shifting the processing cost without disrupting your workflow.

2

Cash Advantage

Customers who pay cash receive a built-in discount, driving loyalty and immediate cash flow — while card users pay a small service fee.

3

Total Retention

100% of the sale price hits your account. No processor skimming 3% off every transaction. Every dollar stays where it belongs — with you.

4

Full Transparency

We provide compliant, clear signage so customers always understand their payment options and the value they receive at checkout.

ELIMINATE ALL PROCESSING FEES. FOREVER.

Keep 100% of your revenue. Join thousands of merchants saving thousands every month.

See If You Qualify → 📅 Schedule a Call Now
Real Results

MERCHANTS KEEPING MORE

Businesses across St. Louis and Metro East are eliminating processing fees and putting real money back on the bottom line.

$1,500–$5,000
Average monthly savings
based on business volume*
0%
Processing fees
paid by the merchant
100%
Of every sale
stays in your pocket
15 Min
Free assessment
no cost, no obligation
"

Merchants who switch to our 0% processing program consistently report that the savings exceed their expectations — and that the transition was far simpler than they anticipated. The most common feedback we hear: "I wish I had done this sooner."

— Scott Ghormley, Business Profit Advisor · G.M.S. Merchant Services d.b.a. Credit Card Fee Free · Minority-Owned Native American Business · St. Louis, MO · 20+ Years Experience
WE WORK WITH BUSINESSES ACROSS EVERY INDUSTRY
🍽️ Restaurants
🛍️ Retail
🔧 Auto Repair
🚗 Car Dealers
💊 Medical & Dental
💅 Nail & Hair Salons
🖥️ Online Businesses
⚖️ Professional Services
🏋️ Fitness & Wellness
🏗️ Contractors
🏨 Hospitality
➕ And Many More
POS Solutions

WORLD-CLASS EQUIPMENT

Top-brand hardware for every business type — all pre-configured for 0% processing from day one.

⬡⬡ Clover Industry Leading POS
VALOR PayTech
PAX Smart Terminals
Dejavoo Payment Solutions
Clover Station Solo
Full POS System

Clover Station Solo

The powerhouse countertop POS for restaurants and retail. Large display, built-in receipt printer.

  • 14" HD merchant display
  • Built-in receipt printer
  • Full inventory & employee management
  • Accepts all payment types
Get Started
Clover Station Duo
Dual Screen POS

Clover Station Duo

Dual-screen system with a dedicated customer-facing display for seamless checkout.

  • Merchant + customer screens
  • Customer can tip, sign & review
  • Advanced reporting & analytics
  • Ideal for retail & restaurants
Get Started
Clover Mini
Compact Countertop

Clover Mini

Small footprint, big performance. Perfect for tight counter spaces that need full POS power.

  • 7" touchscreen display
  • Swipe, dip, tap & NFC
  • App-based customization
  • WiFi & LTE connectivity
Get Started
Clover Flex
Handheld + Printer

Clover Flex

The all-in-one handheld that prints receipts on the spot. Perfect for tableside or mobile sales.

  • Built-in receipt printer
  • Takes payments anywhere
  • Barcode scanner ready
  • Long-lasting battery
Get Started
Valor VL550
Mobile Handheld

Valor VL550

Sleek Android-based mobile terminal with built-in printer. Great for on-the-go businesses.

  • Android smart terminal
  • Built-in thermal printer
  • 4G LTE + WiFi
  • NFC contactless payments
Get Started
Pax A80
Smart Terminal

Pax A80

Feature-rich Android smart terminal for high-volume countertop payment processing.

  • 5" color touchscreen
  • High-speed thermal printer
  • EMV chip, swipe & NFC
  • WiFi, Bluetooth & Ethernet
Get Started

We carry many more terminals, PIN pads, and POS solutions. Contact us to find the perfect fit for your business.

🚀
Free Setup
White glove installation included
🎓
Free Training
Get your team up to speed fast
⚡
Fast Funding
Next-day deposits
🛟
24/7 Support
Live tech assistance always
Your Partner

ABOUT SCOTT GHORMLEY

🏹 Minority-Owned Native American Business ⭐ 20+ Years Experience 📍 Raised in St. Louis, MO

Scott is an independent, Minority-Owned Native American Business Owner and Business Profit Advisor with G.M.S. Merchant Services, d.b.a. Credit Card Fee Free. Raised right here in St. Louis, Scott has successfully served small, medium, and large businesses throughout the St. Louis metro area and Metro East Illinois — and beyond — for over 20 years.

He brings a vast amount of experience helping businesses grow, cut unnecessary costs, and keep more of what they earn. Scott will travel most anywhere for the right opportunity.

HIS MISSION
"Partner with business owners to help them keep more of what they earn — and grow well beyond what they think is imaginable."
📅 Schedule a Call with Scott 📞 314-937-CARD
20+
Years serving St. Louis businesses
$0
Processing fees paid by our merchants
100%
Of every sale stays in your pocket
FREE
15-minute Profit Leakage Assessment — no cost, no obligation
WHY LOCAL MATTERS

Scott isn't a 1-800 number or a faceless corporation. He lives here, works here, answers his phone, visits your business, and becomes a long-term partner in your success.

📞 Call Scott Directly
Every Industry, Every Day

REAL BUSINESSES. REAL MOMENTS.

From boutiques to barbershops, restaurants to retail — businesses across every industry are keeping more of what they earn.

Retail boutique using handheld payment terminal
Retail & Boutique
Restaurant server processing payment tableside
Restaurants & Hospitality
Outdoor cafe payment with handheld device
Cafes & Casual Dining
Barber shop tap-to-pay transaction
Personal Care & Services
FAQ

GOT QUESTIONS?

Everything you need to know about switching to zero-fee processing.

What is the 0% Processing Program?
+

A unique program developed to help merchants nationwide save virtually 100% on processing fees by offering customers a small discount for paying with cash. Card-paying customers are charged a minimal service fee — meaning your revenue stays intact.

What kinds of businesses can use this?
+

Just about any business that accepts credit cards can benefit. From auto repair shops and restaurants to retail stores and professionals like doctors and accountants. If you take cards, you're likely leaving money on the table every month.

What do I need to get started?
+

This is the easy part. We'll send you everything you need: a payment terminal, compliant signage for your door and terminal area, and free training for you and your staff. In most cases there are little to no upfront costs — Scott will give you the straight facts for your specific situation on your free call.

Is it legal to offer dual pricing?
+

Yes, absolutely. As stated in the Durbin Amendment §124.STAT.2073, 9b2, businesses are permitted to offer a discount to customers as an incentive to pay by alternative methods other than a credit or debit card. This is 100% compliant in all 50 states.

What if I don't like the program?
+

We stand behind our program with a 100% satisfaction guarantee. If for any reason you want to stop using the dual pricing program, we will immediately revert you back to traditional interchange pricing — no questions asked, no penalties.

How do my customers react?
+

Most customers understand and accept it quickly — especially with clear, compliant signage. Many appreciate the option to save money by paying cash. The vast majority of merchants report minimal pushback and significant savings from day one.

FREE PROFIT LEAKAGE
ASSESSMENT

Discover where your business may be losing thousands of dollars every year!

WE HELP BUSINESSES:
  • ✓ Increase Profit
  • ✓ Improve Cash Flow
  • ✓ Reduce Unnecessary Expenses
  • ✓ Lower Payment Processing Costs
  • ✓ Improve Customer Payment Options
  • ✓ Identify Hidden Business Inefficiencies
  • ✓ Improve Business Technology
  • ✓ Discover Growth Opportunities
⏱️
FREE 15-MINUTE
PROFIT LEAKAGE ASSESSMENT
✓ No Cost ✓ No Obligation ✓ No Pressure
Just straight facts for YOUR specific business.
WHAT WOULD AN EXTRA
$1,000 · $2,500
· $5,000+
PER MONTH
DO FOR YOUR BUSINESS?
  • ☐ Hire Another Employee
  • ☐ Increase Marketing
  • ☐ Upgrade Equipment
  • ☐ Improve Cash Flow
  • ☐ Increase Owner Income
  • ☐ Expand Your Business
  • ☐ Create More Freedom
📅 Schedule Your Free 15-Min Call Now 📋 Fill Out the Form Instead →
Scott Ghormley
Business Profit Advisor · Minority-Owned Native American Business
📞 314-937-CARD (2273)
@CreditCardFeeFree

You made the sale.  You served the customer.  You earned the revenue.

NOW KEEP MORE OF IT.

Free 15-Minute Assessment

BOOK YOUR FREE ASSESSMENT

No cost. No obligation. No pressure. Just a 15-minute conversation that could save your business thousands every month.

Just CuriousReady to Act NOW
👤 Scott personally reviews every submission and calls within 1 business day.

Scott's Promise To You

  • Free 15-minute assessment — Scott gives you straight facts, zero pressure
  • Your information is 100% confidential
  • 100% legal and compliant in all 50 states
  • No contracts — cancel anytime
  • Scott personally calls within 1 business day
  • White-glove setup and free staff training included
  • Serving St. Louis MO & Metro East IL — and beyond
📅 Pick a Time on Scott's Calendar
👤
Your Advisor
Scott Ghormley
Business Profit Advisor · G.M.S. Merchant Services d.b.a. Credit Card Fee Free
Minority-Owned Native American Business · 20+ Years Experience · St. Louis, MO
📞
✉️
📱
🌐
💳
Credit Card Fee Free
AI Assistant — Online Now
AI
👋 Hi there! I'm the Credit Card Fee Free AI assistant. I can answer questions about our 0% processing program, savings, equipment, and how to get started. What would you like to know?